SWP Calculator
Calculate how long a lump-sum corpus lasts under a fixed monthly withdrawal plan.
Corpus Lasts
51y 5m
How This Works
Each month, the corpus grows by the expected return, then the withdrawal is subtracted. If growth exceeds the withdrawal, the corpus can last indefinitely; otherwise it gradually depletes.
Formula
Each Month: Balance = Balance × (1 + r) − Withdrawal
Example
A $500,000 corpus withdrawing $3,000/month at 7% growth lasts well over 25 years.
Frequently Asked Questions
How long will $500,000 last withdrawing $3,000/month?
51 years and 5 months.
Are the returns guaranteed?
No — this assumes a constant annual return for illustration. Actual investment returns vary year to year.